Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #6372472
Complaint Overview
Complaint ID: 6372472
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Rhode Island
ZIP Code: 028XX
Date Received: 2022-12-28T12:00:00-05:00
Date Sent to Company: 2022-12-28T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
My XXXX payment was submitted in full to Comenity Bank on XX/XX/XXXX via electronic payment from my bank account at XXXX XXXX XXXX The funds were debited from my acct on XX/XX/XXXX and according to acct. history the check was delivered on XX/XX/XXXX. The due date on the Comenity bank statement was XX/XX/XXXX. I received my XXXX statement and the amount due is the previous months balance, a late payment fee and interest on the previous months amount. I spoke with 3 agents and each one said the previous months balance was due although I disputed that I owed anything. Not one of those agents told me that I could dispute this and I had 60 days to do so. I did make a payment in the amount which was reported on the XXXX statement but cancelled it after some investigation of my account history. I went to my bank got a copy of the cancelled check sent to Comenity on the XXXX which showed they received a payment in full and cleared XXXX XXXX on XX/XX/XXXX. I did make a payment of {$41.00} as a minimum payment. But I believe that is money that needs to be credited back to me since I had no balance due. I did file a dispute according to the instructions on the statement and sent it certified mail along with supporting documents. The number of phone calls from Comenity about every other day was annoying and there was one on XXXX XXXX.
Frequently Asked Questions
What is Complaint #6372472 about?
Complaint #6372472 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2022-12-28T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against Bread Financial Holdings, INC.?
Yes, visit the Bread Financial Holdings, INC. company profile at readthecomplaint.com/company/bread-financial-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.